OaklandCountyCU.com. Tom Reagan (left) CEO/President of Vibe Credit Union

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1 A s we prepare to meet the long-term needs of our members in the future, we believe combining forces will allow us to better provide for our members and employees. We are extremely proud of everything that we have accomplished, and are even more passionate about the new opportunities this partnership will provide for our existing and new members. Tom Reagan (left) CEO/President of Vibe Credit Union Allan Kemp McMorris (right) CEO/President of Oakland County Credit Union OaklandCountyCU.com Federally Insured by the NCUA

2 Vibe Credit Union PARTNERSHIP DETAILS EFFECTIVE JANUARY 1, 2019

3 PARTNERSHIP DETAILS CONTENTS Our Mission 02 Our Values 02 Our Service Promises 02 Partnership Details 03 Online and Mobile 04 How the Partnership Benefits You 06 1

4 OUR MISSION PARTNERSHIP DETAILS We are here to improve our members financial lives. As one team, we serve our members and the community. Our vision is to be the financial institution that people choose first and use the most. OUR VALUES We are committed to these values to make it the very best for our members and our employees: 1. We do what we say. 2. We are kind and respectful of everyone s unique situation. 3. We celebrate our victories. 4. We learn, grow, and embrace change. 2 OUR PROMISE We promise to: Make it easy to do business with us. Take ownership of your needs. Treat you with respect. Recommend solutions that will improve your financial life. Deliver an exceptional experience every time. Thank you for being a member.

5 PARTNERSHIP DETAILS We are very excited that on January 1, 2019 Oakland County Credit Union will officially change our name to Vibe Credit Union. We have put together this helpful packet to help walk you through the process. Many items will remain unchanged until our computer conversion in 2020, please see below for details. If you have any questions, please continue to contact us at MEMBER NUMBER There are no changes to your member number at this time. Please continue to use your current member number. ROUTING NUMBER There is no change to the routing number for your accounts. Please continue to use BRANCHES Beginning January 1, 2019, you will have full access to the following branches: Clarkston, Oxford, Waterford (3), and West Bloomfield. You will have limited access for simple teller transactions in Berkley, Canton, Livonia, Novi (2), South Lyon, Southfield, and Sterling Heights. You can also visit our two e-centers in Ferndale and Royal Oak. AUTOMATIC DEPOSITS AND WITHDRAWALS All of your automatic deposits and withdrawals will continue to process without any changes necessary. CHECKS Please continue to use your Oakland County Credit Union checks. By mid-2019, we will provide members with new Vibe Credit Union checks at no charge. More information regarding this coming early next year. ATM CARDS & DEBIT CARDS Please continue to use your Oakland County Credit Union debit and ATM card. All OCCU debit and ATM cards will be replaced by the summer of A dedicated mailing regarding this change will be mailed to you when applicable. CREDIT CARDS Please continue to use your Oakland County Credit Union credit card. All OCCU credit cards will be replaced by mid to late A dedicated mailing regarding this change will be mailed to you when applicable. You will continue to access your credit card account through your online banking. 3

6 PARTNERSHIP DETAILS WEBSITE On 01/03/2019 you will be redirected to This will be the new homepage for the credit union. This will include helpful links to all of your account questions and provide additional information regarding the name change. ONLINE BANKING ACCESS On 01/03/2019, your online account will be accessed at From the homepage you will click Log In, then you will click on the FORMER OCCU MEMBERS link. There are no changes to your log in or password. You will continue to use your current log in and password. MOBILE BANKING On 01/03/2019, the mobile app will now be called OCCU/Vibe. The app icon on your phone and in the app store will be updated to look like the image shown to the left. There are no changes to your log in credentials. You will continue to use your current log in and password. If you have your phone set to auto update your app, this change will happen automatically. Questions? Call

7 PARTNERSHIP DETAILS TELEPHONE BANKING - For telephone banking you will begin to dial beginning 01/03/2019. There are no changes to your pin or the prompts. SHARED BRANCH When using shared branch locations, you will need to identify yourself as an Oakland County CU/Vibe CU member. This will allow the shared branch employees to access your account. BILL PAY There are no changes to the online bill pay service, all your current bill payments will continue with no disruption. MAIL PAYMENTS & DEPOSITS There are no changes to the address for mail payments and deposits. Please continue to send your payments and deposits to the same address you always have. SCORECARD REWARDS You will continue to earn scorecard rewards points on your debit mastercard for signature purchases. Please review the enclosed documents for additional information along with new account disclosures. We are excited to take the next step in this partnership and look forward to continuing to make a positive difference in your financial life. Please call or info@oaklandcountycu.com with any account questions. EXCITING ACCOUNT HIGHLIGHTS CHECKING ACCOUNTS - All checking accounts will begin earning interest monthly beginning January CERTIFICATES - We have added a 60 month certificate as an added member benefit. EXPANDED BRANCH HOURS - We have expanded our hours and added Saturday drive thru hours to better serve you. 5

8 PARTNERSHIP DETAILS partnership MORE BRANCH LOCATIONS TO SERVE YOU. You will soon have a combined total of 16 branches to access your accounts. 63% of the members of the combined Credit Union will be within a 10-minute drive from their home to a branch. SAME GREAT DEDICATION TO INCREDIBLE CARING MEMBER SERVICE. Combining two great service cultures will allow us the ability to expand and support the amazing service you are used to across all member touch points. BETTER RATES ON SAVINGS AND LOANS. The combined financial resources will allow us to offer even more market leading rates. MORE PRODUCTS AND SERVICES TO IMPROVE YOUR FINANCIAL LIFE. Faster development and delivery of additional products and services to better meet your needs. SAME KNOWLEDGEABLE, FRIENDLY, EMPLOYEES. We know how much you love the staff at our branches, and they will be right here to serve you. 6

9 Vibe 2.0 Fees FEE SCHEDULE Consumer Accounts CONSUMER FEES GENERAL FEES General Fees Returned Item Fee Coin Deposit (no fee under age 18) Account Research or Reconcilia on Garnishment/Levy Domes c Wire Transfer Outgoing Escheat Fee Foreign Check Close/Re-open Membership Gi Card Ac va on Non-Member Check Cashing (on-us check) Statement Copies Consumer Pay Off Le er Real Estate Pay Off Le er Mortgage Subordina ons Paper Statement Fee (Applies to age 69 or younger) *This fee will not be charged until October 2019 Low Balance Fee: 5% over $20.00 in total per hour $50.00 $25.00 $50.00 $5.00 $20.00 $3.25 $6.00 $3.00 per statement $10.00 $ $2.00* $3.00* The fee applies when you do NOT meet one of the following: 1. Maintain a combined average daily balance of $500 in all deposits and loan accounts 2. estatement user with total direct deposit of at least $500 monthly 3. Age 23 or younger 4. Age 62 or older and have an electronic deposit to your Vibe account *This fee will not be charged until October 2019 CHECKING ACCOUNT Checking Account Courtesy Pay - Overdrawn Amount: $ $0.99 $ $5.00 $5.01+ Non-Sufficient Funds Copy of Check Overdra Transfer Stop Payment MONEY MARKET/SPECIAL SAVINGS Money Market/Special Savings Regula on D Withdrawal Limit No fee $15.00 $3.00 $3.00 ATM, Debit and Credit Card Lost or Damaged Replacement Card Expedited Card ATM Withdrawals $5.00 $40.00 The fee applies when you exceed 6 monthly withdrawals This fee applies when you exceed 6 monthly withdrawals at a non-proprietary ATM ACH Fees) ACH (Electronic (Electronic Fees) ACH Non-Sufficient Funds ACH Stop Payment ACH Origina on Single Item Recurring Official Checks Official Check (one free per day) Official Check Stop Payment Official Check Copy SAFEDeposit DEPOSIT BOX Safe Annual Rent Change of Locks /Drilling of Box $5.00 $1.00 per withdrawal $7.50 No Fee $3.00 $3.00 $30-$80 depending on size $150.00

10 Business Accounts BUSINESS FEES General Business Fees Monthly Maintenance Fee $10.00 Returned Item Fee Coin Deposit 5% of total Account Research or Reconcilia on per hour Garnishment/Levy $50.00 Domes c Wire Transfer Outgoing $25.00 Escheat Fee $50.00 Foreign Checks $10.00 Close/Re-open Membership $20.00 Gi Card Ac va on $3.25 Deposit Adjustment $5.00 Checks Deposited without Stamp $0.50 Paper Statement Fee $2.00 Statement Copies $3.00 per statement Cash or Coin Order over $2,500 minimum 48hr no ce 0.25% of total Checking CHECKING Account ACCOUNT Courtesy Pay - Overdrawn Amount: $ $0.99 $ $5.00 No fee $15.00 $5.01+ Non-Sufficient Funds Copy of Check $3.00 Overdra Transfer $3.00 Stop Payment Money MONEY Market/Special MARKET/SPECIAL Savings SAVINGS Regula on D Withdrawal Limit $10.00 fee applies when you exceed 6 monthly withdrawals ATM, Debit DEBIT and AND Credit CREDIT Card CARD Lost or Damaged Replacement Card $5.00 Expedited Card $40.00 ATM Withdrawals $1.00 per withdrawal This fee applies when you exceed 6 monthly withdrawals at a non-proprietary ATM ACH (Electronic Fees) ACH Non-Sufficient Funds ACH Stop Payment ACH Origina on Single Item Recurring Effective Date: FEE SCHEDULE $7.50 No Fee